Motorcycle Insurance

Create a custom, comprehensive program for customers who can’t wait to get their bikes out on the open road.

American Modern’s motorcycle program gives you the flexibility to cover just about any bike style. And, our optional coverages and
discounts allow you to create a customized program that meets all their needs.

Bike types we accept

    • Cruiser
    • Dirt bike
    • Standard motorcycle
    • Touring
          • Dual purpose
          • SuperSport
          • Trike conversion
          • Scooter or moped

    This program also accepts golf carts, all-terrain vehicles, and 4-, 6- or 8-wheeled utility vehicles.

    Replacement cost coverage does not expire

    Add replacement cost coverage when the bike is up to two model years old and you can keep that level of protection for as long as you own the bike. Many times replacement cost is cancelled after the second year.

    Program highlights

          • Our program is particularly attractive for Harley-Davidson, Yamaha, or Honda owners.
          • Replacement cost coverage for bikes two model years and newer does not expire.

    Street-driven units include $3,000 in accessory coverage. Off-road units include $1,000.

    • Other options include travel loss reimbursement, rental reimbursement and transport trailer coverage.

     

    Discounts

    Home ownership – Up to 20% for home ownership.
    Claim-free renewal – 3% on first renewal and 5% each successive year.
    Transferring a policy to us – 10% if no lapse in coverage or 1% if less than a 30-day lapse.

    Insuring multiple units – 10% for insuring two bikes or 15% for three or more.
    The discounts offered in California vary.

    Boat Policy Highlights

    <td>Rental reimbursement – Add coverage for expenses to rent a replacement motorcycle after a physical damage loss. Comprehensive coverage is required.
    Trip loss reimbursement – We’ll reimburse up to $300 for transportation, lodging and expenses if the bike becomes disabled more than 100 miles from home. We also include up to $300 for towing costs, regardless of
    distance from home.
    Transport trailer – Add physical damage coverage for a trailer designed to transport the insured cycle. A $250 deductible applies.

    CoverageFull coverage – Liability, plus collision damage and comprehensive losses to a cycle. With full coverage you can add options to the policy.
    Liability plus comprehensive – Comprehensive coverage includes protection for theft or damage to the bike resulting from causes such as fire or weather, but not collision.
    Liability only – The policyholder is insured for just the liability requirements of your state. Physical damage coverage to the motorcycle is not part of the policy
    Loss settlementReplacement cost – This is an option for a street-driven unit that is two model years or newer. Both comprehensive and collision coverage must be purchased. Mopeds, scooters, off-roads and customs are not eligible.
    Actual cash value – In the event of a total loss or theft, we pay the actual cash value, which includes a deduction for depreciation. For a partial loss we pay the repair cost, minus depreciation for damaged parts. The policy deductible applies.
    DiscountsHome ownership – 20% for three years of ownership.
    Claim-free renewal – 3% on first renewal and 5% each successive year.
    Transferring a policy to us – 10% if no lapse in coverage or 1% if less than a 30 day lapse.
    Insuring multiple units – 10% for insuring two bikes or 15% for three or more.
    Payment OptionsEZPay – Pay through automated monthly installments via credit card or bank account.
    2-Pay – Pay half up front with the balance due in a few months.
    4-Pay – Pay a quarter up-fronte with an installment due every 60 days.
    Full Pay – Pay when coverage begins or on renewal.
    Included coverageAccessories – With full coverage, equipment added to the bike that did not come from the manufacturer (as identified by the VIN) is covered separately up to $3,000. Up to $15,000 in coverage can be added.
    Safety apparel – Our full coverage policies provide $1,000 coverage on approved clothing and helmets if damaged in an accident ($400 limit per helmet). There is no deductible for the helmet.
    Medical payments – Coverage starts at $1,000 and can be increased up to $10,000.
    Optional Coverage
    NavigationAmerican Modern covers the boat in all waters of the U.S. and Canada, plus Mexico’s Pacific coast (north of Rio Santo Tomas, Baja), the international shared lakes between Mexico and Texas, and optional navigation to the Bahamas.